Description: This paper, a study of Canadian life insurance company expenses, is regarded by the author, Arthur Pedoe, as a continuation of his earlier study presented to the Society of Actuaries in 1952 TSA IV, 485. In examining various expense trends the author emphasizes what he feels to be useful, namely an overall expense ratio defined as actual to expected total company expenses. The paper and ensuing discussion explore how expected expenses should be determined, as well as examining trends in group business expenses, among other topics. From 1961 Transactions Vol. 13, No. 35 AB.

Description: Discussion of interest rates and investments. The forum looked at the outlook for interest rates on life insurance funds, new developments for the investment of life insurance funds, common stock investments, inflation, and the nature and extent of the valuation problem created by direct investment private placement.

Description: This is a discussion about agency matters such as: new agents, experienced agents, general agents and managers, agent survival rates, etc. Also discussed is the impact that Medicare will have on private health insurance business. From Transactions of Society of Actuaries 1966, Vol. 18 Pt. 2, No. 50.

Description: This is an informal discussion on legislative effects on compensation and compensation modifications and the issues resulting from the requirement to integrate agents' pension plans into Social Security. From Transactions of Society of Actuaries 1950, Vol. 2, No. 3.

Description: Discussion of the following underwriting topics: A. In view of the low rates of mortality currently experienced on standard lives, is the standard classification too narrow? B. Do substandard extra premiums at the lower ratings make fair provision for the additional expenses incurred on substandard policies? C. What problems are encountered in issuing life insurance on persons residing outside the continental United States and Canada? D. What changes have been made recently in non-medical selection and why? E. How could greater use be made of mortality or morbidity studies conducted by hospitals, clinics, government agencies, universities and others outside of the life insurance business?

Description: This paper explores the considerations involved in the merger of mutual life insurance companies, with emphasis on the unique problems of maintenance of equity between the various policy owners affected. The paper written by Howard Kayton and Robert Tookey is followed by a discussion from several people

Description: This discussion at the 1966 Washington Regional Meeting, Small Company Forum covers several topics as they relate to smaller insurance companies - Combination Company Problems, Product Design, Reinsurance, SEGLI conversions, and Adusting earnings for Value of InForce in the Annual Statement.

Description: This paper presents a large number of studies made by The Mutual Life of New York determining the effect on the lapse rates of the various characteristics of the insured, the policy, the agent, and certain economic factors. From Transactions of Society of Actuaries 1951, Vol. 3, No. 7.

Description: This is a discussion about the issues smaller companies face with the 1958 CSO table and recent actions.

Description: This general discussion looks at the results derived from the 15th International Congress of Actuaries and the legislations adopted in Canada and proposed in the U.S. giving favorable tax treatment to pension contributions by the self-employed. From Transactions of Society of Actuaries 1958, Vol. 10, No. 26.